836 TERRAPIN DRIVE, DEBARY, FL, 32713
Active163 days on marketListed Feb 11, 2026MLS #O6381634
About this home
836 TERRAPIN DRIVE
Big Price Reduction! Experience the Rivington Lyfestyle in Growing Debary. With the already impressive Debary Main Street development underway, and proximity to the SunRail Station, this location offers strong potential for future appreciation. Welcome to this stunning bungalow-style former model home, located in the highly desirable Rivington community. Thoughtfully designed with elegant upgrades and modern finishes throughout, this residence showcases the perfect blend of style, comfort, and functionality. The beautifully appointed kitchen features quartz countertops, sleek cabinetry, and an open-concept layout ideal for entertaining. The PRIMARY SUITE is conveniently located ON THE FIRST FLOOR and features a full ensuite bathroom and a spacious walk-in closet. The bedroom itself is enhanced by spectacular bay windows overlooking the peaceful conservation area, filling the space with natural light and creating a serene retreat atmosphere. The first floor is further elevated with plantation shutters, decorative accent walls, and custom designer details that reflect its former model-home status. Upstairs, you’ll find a generous loft, perfect for a second living area, media room, home office, or play space. The second floor also includes a private bedroom and full bathroom, creating an ideal retreat for guests or multi-generational living. Step outside to an extended, oversized screened porch backing to a tranquil conservation area, providing privacy and scenic views with no rear neighbors. The charming front porch and paver driveway add beautiful curb appeal and character to the home’s bungalow design. Located DIRECTLY ACROSS from the community pool and playground, the home offers unmatched convenience. Residents of Rivington enjoy resort-style amenities including a swimming pool, playground, scenic walking trails, and a clubhouse with extended seating overlooking the pond. With low HOA fees and a future downtown development planned nearby, enhancing long-term value, this home presents an exceptional opportunity for both lifestyle and investment potential. All the KITCHEN APPLIANCES ARE INCLUDED PLUS the WASHER AND DRYER. Don’t miss your chance to own a former model home in one of the area’s most sought-after communities.
Facts & features
The home at a glance
5
Bedrooms
3.5
Bathrooms
3,191
Sqft
0.21 ac
Lot size
2
Garage
2021
Year built
Two
Levels
$181
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$4,372 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,372/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−21.3%
$/sqft vs Debary actives
$181 vs $205
Days on market
163 vs 31 typical
Where $181/sqft sits among the 109 Debary actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Debary
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Debary. See the full Debary guide →
DEBARY 32713 — neighborhood snapshot
Population
22,639
Median age
46.6
Median income
$87,354
Median home value
$306,800
Avg household
2.38
Households w/ children
2,294
For the school run
Volusia County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Debary market
$393K → $391K
Debary median sold, yr/yr
98.0%
Sale-to-list ratio (12 mo)
45 of 109
Debary actives have cut their price
Median sold price, Debary, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 84% above the DEBARY 32713 median. See the full Debary market guide →
Paper trail
This home's history
Reality check
What actually sold near 836 TERRAPIN DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$395,000
728 COSTA LANE · same community
3 bd · 2.5 ba · 2,419 sqft · $163/sqft · 317 DOM
Sold · Oct ’25$420,000
727 PORTER RYE AVENUE · same community
5 bd · 2 ba · 2,370 sqft · $177/sqft · 3 DOM
Sold · May ’26$434,900
646 KIMBER · same community
4 bd · 2.5 ba · 2,156 sqft · $202/sqft · 23 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 836 TERRAPIN DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 836 TERRAPIN DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
836 TERRAPIN DRIVE FAQs
What would the monthly payment be for 836 TERRAPIN DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,372/mo — principal and interest, the actual property-tax bill, the $12/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 836 TERRAPIN DRIVE?+
The association fee works out to $12 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 836 TERRAPIN DRIVE?+
The most recent tax bill on record (2025) was $10,368. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 836 TERRAPIN DRIVE?+
The listing reports pets: Cats OK, Dogs OK, Number Limit. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Debary?+
At $578,000, this home is listed about 48% above the Debary median of $389,900. The market section on this page shows how the area is trending.
Which schools are assigned to 836 TERRAPIN DRIVE?+
Debary Elementary School (elementary), University High School (high), River Springs Middle School (middle) — Volusia County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Positioned at the premium end
$578,000 runs 84% above the DEBARY 32713 median — but at 3,191 sqft it's also nearly twice the size of the typical Debary listing.
02Park/Greenbelt & Pool views
The park/greenbelt and pool view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
163 days on market against a Debary median of 31 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Debary Elementary School, University High School, River Springs Middle School — Debary Elementary School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $640,000, now $578,000 — a $62K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of REALTY ONE GROUP MVP · Adalis Chamorro Pa. MLS #O6381634.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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